Dear exloar,
I am not a qualified financial advisor or anything like that, but I am quite experienced with stocks and cryptos. I know quite good how market cycles go. Crypto is so young and volatile - stocks are way older. Take the chance and make profit - only if you know how to trade without emotion otherwise you can make losses (even though it is very hard to make losses because the whole market is extremely bullish).
I do not want crypto to go up too fast - I want it to gain value in a healthy way. Too much hype is not good.
However, I know what you mean and mostly agree with you.
Yours truly,
Gandalf The White

Btw. there are way better coins than xrp. Eth, dash, xmr, pay,...